Rewards! Every purchase Everywhere

Transcription

1 Rewards! Every purchase Everywhere

2 Shop for the things you need and earn the things you want! Earn everyday points Rewards for everyday purchases You are already enrolled You will earn 1 point for every $1 spent on your Preferred Points credit card. Points are updated monthly and can be viewed online at Earn bonus points Shop our Perks Points Mall Shop our online network of top national and regional merchants. You can browse through hundreds of popular online merchants. You will earn an additional 5 bonus points for every $1 spent, for all transactions using your rewards card. Shop our More Points online store Browse through thousands of brand name merchandise items and choose from top gift card retailers. You will earn 3 additional points for every dollar spent when you use your rewards card. Log into and click on Perks from the top menu bar to get started today. Redeem your points Hundreds of rewards You can redeem your points for hundreds of rewards including gift cards, merchandise, travel, cash back and more. Click or call to redeem , 24/7

3 Cash Back Rewards Sometimes cash is what you need most. Use your cash reward to treat yourself to a fun evening out, or maybe go on a shopping spree. The choice is yours. Points Required Check Value 10, , , , , , , , , ,000 1, Points will be automatically deducted from your account and a check or cash equivalent will be mailed to you within 4-6 weeks after placing your order.

4 Travel Rewards Preferred Points has been designed to offer you the complete freedom to choose when and where you want to travel. Your Preferred Points credit card offers you the complete freedom to choose when and where you want to travel. You could choose to travel to the warm sandy beaches of Miami, visit the vineyards of Napa Valley, or see Broadway shows in New York City. We believe a valued member like you should be rewarded for using your Preferred Points credit card. Enjoy these great airline travel benefits: Free round-trip flights No blackout dates Flights on major carriers No complicated frequent-flyer programs to join Discounted Airfare $100 discount off any flight* = 10,000 Points * The total ticket cost will be billed to your Preferred Points credit card with a $100 credit that will appear within the next two billing statements. Free Airline Tickets Tier Points Price Cap 1 25,000 $ ,000 $ ,000 $ ,000 $ ,000 $1, ,000 $2, Vacation Getaways Hyatt 1 Night Elite Stay Item no Get ready for a rejuvenating stay at a luxurious Hyatt Hotel or Resort. Redeemable for a 1 night stay any night of the week at over 320 Hyatt properties worldwide. Award includes $50 Hyatt Check Certificate redeemable for goods and services during your stay at Hyatt Hotels and Resorts, Hyatt Place and Hyatt Summerfield Suites. For more information and a list of participating locations, visit certificates. hyatt.com. Accommodations are for 2 guests based on 1 room with double occupancy. Marriott Americas Signature Award 2 Nights Item no Stay with Marriott any two days of the week or weekend. You can choose from over 2,400 locations in North, South and Central America. This award is only good at participating Marriott Hotels & Resorts, Renaissance Hotels & Resorts, Courtyard, Residence Inn, Fairfield Inn, SpringHill Suites, and TownePlace Suites properties. Enjoy breakfast for two each of the following mornings and all applicable room taxes. Valid for 15 months. Hyatt 2 Night Prestige Stay Item no Redeemable at participating Hyatt Hotels & Resorts in the continental US and Canada for the perfect two night weekend getaway, including breakfast each morning. Award is for two guests based on one room with double occupancy.

5 Green Product Rewards Experience Rewards Reel Mower Sak EcoPeace Shopper Luxury Ski Getaway Item no Nights First Class Accommodations for Four in a Slopeside Two-Bedroom Villa at your choice of Breckenridge, CO, Lake Tahoe, NV or Park City, UT. The award includes, 6 full day ski lift tickets, family pizza fest for 1 night, a $50 pantry credit to stock the villa fridge, all taxes and service charges plus Roadtrips At-Your-Service Desk Concierge and Travel Services. Wine Lover s Getaway Item no Composter Rain Barrel Reduce your climate impact with: Global carbon credits US wind and solar energy credits 2 Nights Deluxe Class Accommodations for Two either in Napa Valley, CA or Niagara Falls, ON. With a Premium Wine Tour Experience for Two, Hosted by An Experienced Wine Expert with Special Reserve Wine Gift (2 Bottles) Recipients Choice of 1 Relaxed Level Amenity, Full Breakfast Daily for Two, Wine Packaging and Shipping Service; Roadtrips At-Your-Service Desk Concierge and Travel Services plus All Taxes and Service Charges. Charitable Donations With our CharityChoice gift card, you can donate to up to 3 charities of your choice.

6 Gift Card Rewards You can choose from your favorite restaurants or retailers. Want more reward options? Visit or call

7 Merchandise Rewards You can select from hundreds of brand name items from categories including photography, electronics, luggage, jewelry, appliances, hardware and more. RCA 8 Twin Tablet DVD System Taylormade R9 SuperTri Driver Canon Digital Camera Delsey 4 Pc. Luggage Apple ipod Touch Magellan Roadmate Samsung 46 Direct LED LCD TV Samsung Digital Camcorder Cannon Pixma All-In-One Printer Sony 5.1 Home Theater System Hitachi 10 Compound Miter Saw Char-Broil Gas Grill Dooney & Bourke Handbag Bose Portable Music Package Want more reward options? Visit or call

8 Terms and Conditions Description of the Program a) Cardholders will earn Preferred Points ( Points ) for purchases of all eligible goods and services using the participating Financial Institution s Credit Card ( Card ). The Cardholder s Points will be accumulated at the rate of one Point per dollar charged on the Card. b) Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Card during each periodic billing cycle ( Billing Cycle ) by the Cardholder(s) ( Net Purchase(s) ). Net Purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the Points value of the transaction will be deducted from the Points total during the dispute period. If the transaction is reinstated, Points will be reinstated. c) Points cannot be transferred from one account to another. Points from multiple accounts cannot be added together. d) Points may not be combined with any other loyalty/frequency award program. e) Points will not be earned or accumulated for cash advances, convenience checks, traveler s check purchases, finance charges, late fees, annual fees, over-limit fees or transaction fees. At your Financial Institution s option, additional exclusions may be included in the Rules governing the Preferred Points Program. f) Maximum accumulation of Points is 10,000 per month. g) Your Financial Institution reserves the right to award bonus Points to selected Cardholders. h) Points are not the property of the Cardholder, and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter). i) Points are tracked and redeemable on a first-in, first-out basis. Points will expire three (3) years from the date of issuance. j) To redeem Points, Cardholder s Card account(s) must be open (meaning not voluntarily closed, canceled or terminated for any reason); current (meaning there are no pastdue balances on the Cardholder s Card account(s) at the time of redemption request); Cardholder s outstanding balance must not be over the credit limit; account must not have a revoked, charged-off or bankruptcy status; and the Card cannot have any other status preventing authorizations. k) The Cardholder agrees to release the participating Financial Institution, the Administrator, and its vendors from all liability for any injury, accident, loss, claim, expense or damages sustained by the Cardholder, associated with an Award or use of Awards while participating in this program and in the case of a Travel Reward, anyone traveling with or without the Cardholder, in connection with the receipt, ownership, or use of any Reward. The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the Reward. l) The Cardholder is responsible for determining any tax liability arising from participation in the Program. Consult a tax advisor concerning tax consequences. m) Your Financial Institution and the Administrator shall have no liability for disagreements between Cardholders regarding Points. Discrepancies about Points earnings are not treated as credit card billing disputes. Your Financial Institution s decision regarding Points discrepancies shall be final. Redeemed Points are deducted from the Cardholder s Points balance as of the request date of a Reward. n) Points will be updated monthly. Points may take up to 60 days to be posted following a qualifying purchase transaction. o) Points must be redeemed by the Cardholder, and may be used for another person. p) The Financial Institution reserves the right to disqualify any cardholder from participation in the program and invalidate all Points for abuse, fraud, or any violation of the program terms and conditions. The Financial Institution may make such a determination in its sole discretion. q) The Preferred Points Program is void where prohibited by federal, state, or local law) Your Financial Institution and the Administrator are not responsible for typographical errors and/or omissions in any Program document. s) Your Financial Institution and the Administrator reserve the right to change the terms and conditions of the Preferred Points Program. At your Financial Institution s option, redemption of Points may be restricted, limited, expired or cancelled at any time without prior notice. Your Financial Institution reserves the right to terminate the Program at any time without notice. t) The Preferred Points program is a service provided through Consumer Benefit Services, Inc., and your Financial Institution. In the event of fraud, abuse of Program privileges or violation of the Program Rules (including any attempt to sell, exchange or transfer Points or the instrument exchangeable for Points), the Financial Institution reserves the right to cancel cardholder s membership in the Preferred Points Program. u) Participation is restricted to U.S. account holders only. Travel Awards Redemption Terms and Conditions Call the Administrator s travel redemption center for all your travel needs. They are a full service agency that can assist you with air awards, hotel, auto, vacation and cruise reservations. a) All Travel must be redeemed through Administrator s fully licensed redemption reservation center. Cardholders must have a valid credit card affiliated with the Program at the time of redemption. b) All airline tickets issued in exchange for Points are non-refundable and non-changeable after ticket issuance, without paying the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to add-collects and fees charged by the airline and redemption center. c) Lost, stolen or otherwise destroyed airline tickets will not be replaced, without the cardholder paying the standard fees charged by each airline. or manufacturers updates. Inform Financial Institution and the Admi f) Points required for award items ar g) Cardholders may exchange merch shipment. Any exceptions, damag Cardholders sign to accept shipme h) All merchandise is covered by man through the standard manufactur Apple and ipod touch are register participant or sponsor of this prom Cash Back Rewards Points earned as part of the Preferred increments. Points will be automatica will be mailed to you within 4-6 week Points required Check value 10, , , , , , , , , ,000 1, Gift Card/Certificate Terms and C Bath & Body Works is not a spons Points. The Bath & Body Works n Works Brand Management, Inc. The Texas Roadhouse card is issue merchandise at participating Texa cash, except where required by la debit card. Lost, stolen, or damag purchase. Not valid for internet pu card will be allowed except where Brinker International : Chili s, M sponsor or co-sponsor of this prom Dillard s is not a sponsor of this pr reward program. Kohl s is not a sponsor of this pro KOHL S and KOHL S brand nam Darden Restaurants, Inc. owns (R Breeze, Seasons 52 ) and is not co-sponsor of this program. Use o approval from Darden. See backsi Macy s is not a sponsor or co-spon see back of card for details. Macy rights reserved. You may redeem your Red Robin r States. Red Robin is not a sponsor The Marriott name and logo are is not a sponsor of this promotion Avis services will be based upon th you present the rental certificate. Certificates must be surrendered a are listed on the certificate, may a and customer service, visit Dollar Certificates (ie. $25, $50 or locations worldwide. OurEnergy is not affiliated with TI program Cbsi Loyalty Solutions. All righ G d) Cardholders may make additional travel reservations with the Administrator s travel agency using your Financial Institution credit card. The travel agency s normal and customary fees are billed to your credit card for any additional services required by the Cardholder. e) All travel documents will be issued the same day the reservation is made. f) Airfares are not guaranteed if not ticketed immediately. All reservations will receive a fax or the same day the ticket is issued. The cardholder must call in any corrections or discrepancies by 9:00pm CST Monday through Friday and by 5:00pm CST on Saturday and 2:00pm CST on Sunday. The cardholder must call in by 9:00pm CST. if the or fax is not received the same day the ticket is ordered. Any changes or corrections done the following day or there after are subject to all airline airfare charges, exchange fees and processing fees and processing charges. g) Paper airline tickets are subject to the individual airline paper ticket fees. h) If a paper ticket is issued, the cardholder has two options for delivery. They can sign a waiver stating that they accept responsibility for a lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a $15 shipping fee for the ticket to be sent via DHL overnight delivery. Priority, Saturday and outside the 48 contiguous states, deliveries will be subject to additional shipping charges. i) The itinerary and a government issued photo ID must accompany the ticket holder to the airport if E-tickets are issued. j) International flights require an official Passport. k) The Cardholder is responsible for payment of any excess baggage charges, departure taxes or other charges that may have been assessed by governmental entities as a result of travel under the Preferred Points Program. l) Administrator s normal and customary fees associated with processing travel related services are billed to the Cardholder s Financial Institution credit card. m) Your Financial Institution and Consumer Benefit Services, Inc. are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes brought down by this industry are done quickly and without notice, therefore, Award redemption rules for air travel are subject to change without notice. n) Specific restrictions may apply to certain Travel Rewards. DISCOUNTED AIRFARES. Cardholders may redeem 10,000 accumulated, un-expired points for $100 off of any scheduled major International or Domestic airline ticket (limit 2). The total ticket cost will be billed to the cardholder s Financial Institution credit card with a $ credit which will appear within the next two billing statements. FREE TICKET. Cardholders may redeem accumulated, un-expired points for a single lowest published airfare as follows: Tier Points Price Cap 1 25,000 $ ,000 $ ,000 $ ,000 $ ,000 $1, ,000 $2, Each FREE TICKET must be ordered through Administrator for one round trip airline ticket on a scheduled U.S. or International carrier. 2. All FREE TICKETS must be for round-trip travel on the same airlines or Code Share airline. 3. En-route stopovers are not permitted unless they are to make direct connections. 4. Reservations for tickets also exclude the usage of charters. 5. Reservations and ticketing must be made at least twenty-one (21) days prior to actual departure date. 6. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this Agreement are met. 7. A Saturday night stay must be included in the travel itinerary. 8. Maximum stay shall not exceed 30 days. 9. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler. 10. Choice of carrier and traveling dates are at Cardholder s discretion, subject to Program Rules and availability. 11. The travel agency has the right to book your reservation within 2 hours of your requested travel times for departures and returns. 12. Each FREE TICKET may not exceed the Ticket Cap. Merchandise Awards Redemption Terms and Conditions a) When necessary, the Preferred Points program Administrator may substitute an award with an updated model of equal or greater value without advance notice. Cardholders will be notified of any change when ordering. The Preferred Points Administrator may remove certain items and may replace or remove certain sections within any Preferred Points program literature or website. All awards are subject to availability. b) Merchandise awards will take four to six weeks to arrive from the time of order. Multiple awards may arrive at different times from different vendors. c) No shipments of merchandise can be made to APO/FPO or PO Box addresses. d) Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands will have an additional freight charge billed to the Cardholder s credit card. e) Merchandise pictured in any Preferred Points Program catalog or website may not necessarily reflect exact colors or models of actual awards due to printing variations and/ and Conditions ram referred Points ( Points ) for purchases of all eligible goods and cipating Financial Institution s Credit Card ( Card ). The Cardholder s ted at the rate of one Point per dollar charged on the Card. ed on the new net retail purchase transaction volume (i.e., purchases d adjustments) charged to the Card during each periodic billing cycle Cardholder(s) ( Net Purchase(s) ). Net Purchases are rounded to the subject to verification. If a transaction is subject to a billing dispute, transaction will be deducted from the Points total during the dispute on is reinstated, Points will be reinstated. ferred from one account to another. Points from multiple accounts ther. bined with any other loyalty/frequency award program. ed or accumulated for cash advances, convenience checks, traveler s ce charges, late fees, annual fees, over-limit fees or transaction fees. ution s option, additional exclusions may be included in the Rules d Points Program. n of Points is 10,000 per month. ion reserves the right to award bonus Points to selected Cardholders. erty of the Cardholder, and cannot be bought, sold or transferred in on death or as part of a domestic relations matter). redeemable on a first-in, first-out basis. Points will expire three (3) issuance. dholder s Card account(s) must be open (meaning not voluntarily minated for any reason); current (meaning there are no pastardholder s Card account(s) at the time of redemption request); ing balance must not be over the credit limit; account must not have f or bankruptcy status; and the Card cannot have any other status ons. to release the participating Financial Institution, the Administrator, ll liability for any injury, accident, loss, claim, expense or damages older, associated with an Award or use of Awards while participating the case of a Travel Reward, anyone traveling with or without the tion with the receipt, ownership, or use of any Reward. The foregoing ble for consequential damages, and the sole extent of liability, if at all, tual value of the Reward. onsible for determining any tax liability arising from participation in the x advisor concerning tax consequences. ion and the Administrator shall have no liability for disagreements regarding Points. Discrepancies about Points earnings are not illing disputes. Your Financial Institution s decision regarding Points final. Redeemed Points are deducted from the Cardholder s Points est date of a Reward. monthly. Points may take up to 60 days to be posted following a nsaction. ed by the Cardholder, and may be used for another person. n reserves the right to disqualify any cardholder from participation in the all Points for abuse, fraud, or any violation of the program terms and ial Institution may make such a determination in its sole discretion. rogram is void where prohibited by federal, state, or local law) ion and the Administrator are not responsible for typographical errors y Program document. ion and the Administrator reserve the right to change the terms and rred Points Program. At your Financial Institution s option, redemption cted, limited, expired or cancelled at any time without prior notice. ion reserves the right to terminate the Program at any time without rogram is a service provided through Consumer Benefit Services, Inc., itution. In the event of fraud, abuse of Program privileges or violation including any attempt to sell, exchange or transfer Points or the ble for Points), the Financial Institution reserves the right to cancel hip in the Preferred Points Program. ed to U.S. account holders only. tion Terms and Conditions vel redemption center for all your travel needs. They are a full service with air awards, hotel, auto, vacation and cruise reservations. med through Administrator s fully licensed redemption reservation center. a valid credit card affiliated with the Program at the time of redemption. d in exchange for Points are non-refundable and non-changeable ithout paying the standard fees charged by each airline. Changes are n by the airline and subject to add-collects and fees charged by the center. se destroyed airline tickets will not be replaced, without the cardholder es charged by each airline. or manufacturers updates. Information is accurate to the very best of Financial Institution and the Administrator are not responsible for erro f) Points required for award items are subject to change. g) Cardholders may exchange merchandise only in the event of merchan shipment. Any exceptions, damages, or shortages must be noted on t Cardholders sign to accept shipment of merchandise h) All merchandise is covered by manufacturer s warranties. Any such de through the standard manufacturer repair facility as noted with produ Apple and ipod touch are registered trademarks of Apple Inc. All right participant or sponsor of this promotion. Cash Back Rewards Points earned as part of the Preferred Points Program can be redeemed fo increments. Points will be automatically deducted from your account and will be mailed to you within 4-6 weeks after placing your order. Points required Check value 10, , , , , , , , , ,000 1, Gift Card/Certificate Terms and Conditions Bath & Body Works is not a sponsor of this promotion and is not affilia Points. The Bath & Body Works name and logo are registered tradem Works Brand Management, Inc. The Texas Roadhouse card is issued by Armadillo, Inc. and is solely fo merchandise at participating Texas Roadhouse restaurants. This card cash, except where required by law. Protect this card like cash; this ca debit card. Lost, stolen, or damaged cards will not be cancelled and re purchase. Not valid for internet purchases. No variance from the term card will be allowed except where required by law. Brinker International : Chili s, Macaroni Grill, On The Border and sponsor or co-sponsor of this promotion. Dillard s is not a sponsor of this program and is not affiliated with the reward program. Kohl s is not a sponsor of this promotion and is not affiliated with TIB KOHL S and KOHL S brand names are trademarks of Kohl s Illinois, Darden Restaurants, Inc. owns (Red Lobster, Olive Garden, LongHo Breeze, Seasons 52 ) and is not affiliated with TIB Preferred Points. co-sponsor of this program. Use of our restaurant names, logos or tra approval from Darden. See backside of gift card for additional terms a Macy s is not a sponsor or co-sponsor of this program. Terms and con see back of card for details. Macy s name and logo are registered trad rights reserved. You may redeem your Red Robin restaurant gift card at any Red Robin States. Red Robin is not a sponsor of this program. The Marriott name and logo are registered trademarks of Marriott In is not a sponsor of this promotion and is not affiliated with this financ Avis services will be based upon the regular Avis rates in effect at the you present the rental certificate. Renter must meet Avis age, driver a Certificates must be surrendered at time of rental check-out. Other te are listed on the certificate, may apply. Please read the certificate upo and customer service, visit or call in th Dollar Certificates (ie. $25, $50 or $100 Certs) are a global product a locations worldwide. OurEnergy is not affiliated with TIB Preferred Points and is not a spon program Cbsi Loyalty Solutions. All rights reserved. G d) Cardholders may make additional travel reservations with the Administrator s travel agency using your Financial Institution credit card. The travel agency s normal and customary fees are billed to your credit card for any additional services required by the Cardholder. e) All travel documents will be issued the same day the reservation is made. f) Airfares are not guaranteed if not ticketed immediately. All reservations will receive a fax or the same day the ticket is issued. The cardholder must call in any corrections or discrepancies by 9:00pm CST Monday through Friday and by 5:00pm CST on Saturday and 2:00pm CST on Sunday. The cardholder must call in by 9:00pm CST. if the or fax is not received the same day the ticket is ordered. Any changes or corrections done the following day or there after are subject to all airline airfare charges, exchange fees and processing fees and processing charges. g) Paper airline tickets are subject to the individual airline paper ticket fees. h) If a paper ticket is issued, the cardholder has two options for delivery. They can sign a waiver stating that they accept responsibility for a lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a $15 shipping fee for the ticket to be sent via DHL overnight delivery. Priority, Saturday and outside the 48 contiguous states, deliveries will be subject to additional shipping charges. i) The itinerary and a government issued photo ID must accompany the ticket holder to the airport if E-tickets are issued. j) International flights require an official Passport. k) The Cardholder is responsible for payment of any excess baggage charges, departure taxes or other charges that may have been assessed by governmental entities as a result of travel under the Preferred Points Program. l) Administrator s normal and customary fees associated with processing travel related services are billed to the Cardholder s Financial Institution credit card. m) Your Financial Institution and Consumer Benefit Services, Inc. are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes brought down by this industry are done quickly and without notice, therefore, Award redemption rules for air travel are subject to change without notice. n) Specific restrictions may apply to certain Travel Rewards. DISCOUNTED AIRFARES. Cardholders may redeem 10,000 accumulated, un-expired points for $100 off of any scheduled major International or Domestic airline ticket (limit 2). The total ticket cost will be billed to the cardholder s Financial Institution credit card with a $ credit which will appear within the next two billing statements. FREE TICKET. Cardholders may redeem accumulated, un-expired points for a single lowest published airfare as follows: Tier Points Price Cap 1 25,000 $ ,000 $ ,000 $ ,000 $ ,000 $1, ,000 $2, Each FREE TICKET must be ordered through Administrator for one round trip airline ticket on a scheduled U.S. or International carrier. 2. All FREE TICKETS must be for round-trip travel on the same airlines or Code Share airline. 3. En-route stopovers are not permitted unless they are to make direct connections. 4. Reservations for tickets also exclude the usage of charters. 5. Reservations and ticketing must be made at least twenty-one (21) days prior to actual departure date. 6. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this Agreement are met. 7. A Saturday night stay must be included in the travel itinerary. 8. Maximum stay shall not exceed 30 days. 9. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler. 10. Choice of carrier and traveling dates are at Cardholder s discretion, subject to Program Rules and availability. 11. The travel agency has the right to book your reservation within 2 hours of your requested travel times for departures and returns. 12. Each FREE TICKET may not exceed the Ticket Cap. Merchandise Awards Redemption Terms and Conditions a) When necessary, the Preferred Points program Administrator may substitute an award with an updated model of equal or greater value without advance notice. Cardholders will be notified of any change when ordering. The Preferred Points Administrator may remove certain items and may replace or remove certain sections within any Preferred Points program literature or website. All awards are subject to availability. b) Merchandise awards will take four to six weeks to arrive from the time of order. Multiple awards may arrive at different times from different vendors. c) No shipments of merchandise can be made to APO/FPO or PO Box addresses. d) Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands will have an additional freight charge billed to the Cardholder s credit card. e) Merchandise pictured in any Preferred Points Program catalog or website may not necessarily reflect exact colors or models of actual awards due to printing variations and/ ditions ases of all eligible goods and Card ( Card ). The Cardholder s r charged on the Card. ansaction volume (i.e., purchases during each periodic billing cycle Net Purchases are rounded to the n is subject to a billing dispute, he Points total during the dispute ated. Points from multiple accounts cy award program. s, convenience checks, traveler s ver-limit fees or transaction fees. may be included in the Rules s Points to selected Cardholders. be bought, sold or transferred in ations matter). asis. Points will expire three (3) pen (meaning not voluntarily eaning there are no pastme of redemption request); dit limit; account must not have cannot have any other status al Institution, the Administrator, s, claim, expense or damages use of Awards while participating traveling with or without the use of any Reward. The foregoing the sole extent of liability, if at all, lity arising from participation in the es. no liability for disagreements ut Points earnings are not ution s decision regarding Points d from the Cardholder s Points ays to be posted following a sed for another person. ardholder from participation in the lation of the program terms and ination in its sole discretion. ederal, state, or local law) sponsible for typographical errors e right to change the terms and ial Institution s option, redemption any time without prior notice. e Program at any time without Consumer Benefit Services, Inc., of Program privileges or violation nge or transfer Points or the ion reserves the right to cancel avel needs. They are a full service n and cruise reservations. nsed redemption reservation center. rogram at the time of redemption. undable and non-changeable rged by each airline. Changes are ollects and fees charged by the e replaced, without the cardholder or manufacturers updates. Information is accurate to the very best of our knowledge. Your Financial Institution and the Administrator are not responsible for errors or omissions. f) Points required for award items are subject to change. g) Cardholders may exchange merchandise only in the event of merchandise defects or damage in shipment. Any exceptions, damages, or shortages must be noted on the delivery receipt before Cardholders sign to accept shipment of merchandise h) All merchandise is covered by manufacturer s warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product. Apple and ipod touch are registered trademarks of Apple Inc. All rights reserved. Apple is not a participant or sponsor of this promotion. Cash Back Rewards Points earned as part of the Preferred Points Program can be redeemed for a cash reward in $100 increments. Points will be automatically deducted from your account and a check or cash equivalent will be mailed to you within 4-6 weeks after placing your order. Points required Check value 10, , , , , , , , , ,000 1, Gift Card/Certificate Terms and Conditions Bath & Body Works is not a sponsor of this promotion and is not affiliated with TIB Preferred Points. The Bath & Body Works name and logo are registered trademarks of Bath & Body Works Brand Management, Inc. The Texas Roadhouse card is issued by Armadillo, Inc. and is solely for food, beverage, or merchandise at participating Texas Roadhouse restaurants. This card is not redeemable for cash, except where required by law. Protect this card like cash; this card is not a credit card or debit card. Lost, stolen, or damaged cards will not be cancelled and replaced without proof of purchase. Not valid for internet purchases. No variance from the terms and conditions of this card will be allowed except where required by law. Brinker International : Chili s, Macaroni Grill, On The Border and Maggiano s is not a sponsor or co-sponsor of this promotion. Dillard s is not a sponsor of this program and is not affiliated with the TIB Preferred Points reward program. Kohl s is not a sponsor of this promotion and is not affiliated with TIB Preferred Points. KOHL S and KOHL S brand names are trademarks of Kohl s Illinois, Inc. Darden Restaurants, Inc. owns (Red Lobster, Olive Garden, LongHorn Steakhouse, Bahama Breeze, Seasons 52 ) and is not affiliated with TIB Preferred Points. Darden is not a sponsor or co-sponsor of this program. Use of our restaurant names, logos or trademarks requires written approval from Darden. See backside of gift card for additional terms and conditions or visit Macy s is not a sponsor or co-sponsor of this program. Terms and conditions apply to gift cards, see back of card for details. Macy s name and logo are registered trademarks of Macy s Inc. All rights reserved. You may redeem your Red Robin restaurant gift card at any Red Robin restaurant in the United States. Red Robin is not a sponsor of this program. The Marriott name and logo are registered trademarks of Marriott International Inc. Marriott is not a sponsor of this promotion and is not affiliated with this financial institution. Avis services will be based upon the regular Avis rates in effect at the time and location where you present the rental certificate. Renter must meet Avis age, driver and credit requirements. Certificates must be surrendered at time of rental check-out. Other terms and conditions, which are listed on the certificate, may apply. Please read the certificate upon receipt. For reservations and customer service, visit or call in the United States. Avis Flat Dollar Certificates (ie. $25, $50 or $100 Certs) are a global product available at participating locations worldwide. OurEnergy is not affiliated with TIB Preferred Points and is not a sponsor or co-sponsor of this program Cbsi Loyalty Solutions. All rights reserved. G d) Cardholders may make additional travel reservations with the Administrator s travel agency using your Financial Institution credit card. The travel agency s normal and customary fees are billed to your credit card for any additional services required by the Cardholder. e) All travel documents will be issued the same day the reservation is made. f) Airfares are not guaranteed if not ticketed immediately. All reservations will receive a fax or the same day the ticket is issued. The cardholder must call in any corrections or discrepancies by 9:00pm CST Monday through Friday and by 5:00pm CST on Saturday and 2:00pm CST on Sunday. The cardholder must call in by 9:00pm CST. if the or fax is not received the same day the ticket is ordered. Any changes or corrections done the following day or there after are subject to all airline airfare charges, exchange fees and processing fees and processing charges. g) Paper airline tickets are subject to the individual airline paper ticket fees. h) If a paper ticket is issued, the cardholder has two options for delivery. They can sign a waiver stating that they accept responsibility for a lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a $15 shipping fee for the ticket to be sent via DHL overnight delivery. Priority, Saturday and outside the 48 contiguous states, deliveries will be subject to additional shipping charges. i) The itinerary and a government issued photo ID must accompany the ticket holder to the airport if E-tickets are issued. j) International flights require an official Passport. k) The Cardholder is responsible for payment of any excess baggage charges, departure taxes or other charges that may have been assessed by governmental entities as a result of travel under the Preferred Points Program. l) Administrator s normal and customary fees associated with processing travel related services are billed to the Cardholder s Financial Institution credit card. m) Your Financial Institution and Consumer Benefit Services, Inc. are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes brought down by this industry are done quickly and without notice, therefore, Award redemption rules for air travel are subject to change without notice. n) Specific restrictions may apply to certain Travel Rewards. DISCOUNTED AIRFARES. Cardholders may redeem 10,000 accumulated, un-expired points for $100 off of any scheduled major International or Domestic airline ticket (limit 2). The total ticket cost will be billed to the cardholder s Financial Institution credit card with a $ credit which will appear within the next two billing statements. FREE TICKET. Cardholders may redeem accumulated, un-expired points for a single lowest published airfare as follows: Tier Points Price Cap 1 25,000 $ ,000 $ ,000 $ ,000 $ ,000 $1, ,000 $2, Each FREE TICKET must be ordered through Administrator for one round trip airline ticket on a scheduled U.S. or International carrier. 2. All FREE TICKETS must be for round-trip travel on the same airlines or Code Share airline. 3. En-route stopovers are not permitted unless they are to make direct connections. 4. Reservations for tickets also exclude the usage of charters. 5. Reservations and ticketing must be made at least twenty-one (21) days prior to actual departure date. 6. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this Agreement are met. 7. A Saturday night stay must be included in the travel itinerary. 8. Maximum stay shall not exceed 30 days. 9. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler. 10. Choice of carrier and traveling dates are at Cardholder s discretion, subject to Program Rules and availability. 11. The travel agency has the right to book your reservation within 2 hours of your requested travel times for departures and returns. 12. Each FREE TICKET may not exceed the Ticket Cap. Merchandise Awards Redemption Terms and Conditions a) When necessary, the Preferred Points program Administrator may substitute an award with an updated model of equal or greater value without advance notice. Cardholders will be notified of any change when ordering. The Preferred Points Administrator may remove certain items and may replace or remove certain sections within any Preferred Points program literature or website. All awards are subject to availability. b) Merchandise awards will take four to six weeks to arrive from the time of order. Multiple awards may arrive at different times from different vendors. c) No shipments of merchandise can be made to APO/FPO or PO Box addresses. d) Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands will have an additional freight charge billed to the Cardholder s credit card. e) Merchandise pictured in any Preferred Points Program catalog or website may not necessarily reflect exact colors or models of actual awards due to printing variations and/